Underwriter

Mercury Insurance Services, LLC; United States; Remote; USD 44,000 - 78,000; Full time

Benefits offered by this job

Competitive pay

Remote-friendly

Paid time off

Bonus programs

Insurance benefits

401(k) with match

Education assistance

Professional development

Wellbeing resources

Recognition program

Job summary

Mercury Insurance Services, LLC is seeking an experienced underwriter for personal lines. You will analyze risk, review endorsements, renewals, and determine coverage acceptability within company guidelines.

The role emphasizes collaboration with agents, data-driven decision making, and adherence to underwriting standards. Strong communication and detailed analysis are essential for success in this position.

Qualifications

• Bachelor’s degree required
• 6 months related underwriting experience
• Strong communication with agents and insureds
• Ability to analyze complex data and adjust risk

Responsibilities

• Obtain and use information (inspection reports, motor vehicle reports, photos, loss reports) to assess personal lines risk and determine acceptability.
• Influence sales by delivering exceptional service and building relationships with agents.
• Stay current on underwriting developments and products and identify competitive pricing opportunities.
• Participate as a project team member and deliver assigned components.
• Maintain full-time schedule and regular attendance.

Skills

Communication skills

Analytical thinking

Independent judgment

Attention to detail

Data interpretation

Education

Bachelor’s Degree

Job description

Overview

Join an amazing team that is consistently recognized for our achievements and culture, including our most recent Forbes award of being one of America's Best Midsize Employers for 2026!

Position Summary:

Analyzes new and existing personal lines business to evaluate degree of risk and potential exposure; accepts, rejects, or modifies coverage; underwrites policies and establishes appropriate premiums according to underwriting authority and guidelines as provided under Company Policies and in compliance with current legislation.

Geo-Salary Information

An in-person interview may be required during the hiring process

State specific pay scales for this role are as follows:

$44,466 to $77,881 (NJ, NY, WA, HI, AK, MD, CT, RI, MA)

$40,424 to $70,801 (NV, OR, AZ, CO, WY, TX, ND, MN, MO, IL, WI, FL, GA, MI, OH, VA, PA, DE, VT, NH, ME)

$36,381 to $63,721 (UT, ID, MT, NM, SD, NE, KS, OK, IA, AR, LA, MS, AL, TN, KY, IN, SC, NC, WV)

In CA: Typical hiring range is $55,056.15 to $67,290.85

The expected base salary for this position will vary depending on a number of factors, including relevant experience, skills and location.

Responsibilities

Essential Job Functions:

• Obtains and utilizes pertinent information such as inspection reports, motor vehicle reports, photographs, comprehensive loss reports, registration information, and other third party data to evaluate a personal lines risk and determine acceptability. Reviews endorsements, renewals and other information for existing accounts and re-evaluates the policy in order to determine changes in risk, premium or acceptability per Company guidelines. Ensures accurate and timely processing of updates.
• Influences sales by providing exceptional service and building strong relationships with agents. Helps manage the sales process through assisting agents in placing new business and retaining existing customers.
• Keeps abreast of underwriting developments, products and changes within the Company as well as the industry. Identify opportunities where the Company can position itself more competitively in the marketplace and make significant improvements in pricing and underwriting.
• Participates as a project team member where duties may include: contributing to overall project objectives, completing individual deliverables and providing expertise.
• Other duties as assigned by Leader.
• Regular attendance at work on a full‑time schedule of at least 8 hours and 40 hours per week.

Qualifications

Education:

• Bachelor’s Degree required
• Or equivalent combination of education and/or experience

Experience:

• 6 months related experience and formal underwriting training

Knowledge and Skills:

• Effective and diplomatic verbal and written communication skills to correspond with agents, insureds, marketing and claims personnel concerning policies, coverage, etc.
• Work is of moderate technical complexity, calling for general knowledge of underwriting standards, philosophy and practices.
• Ability to analyze complex data to assist in decision making.
• Requires independent judgment to make decisions beyond the scope of established guidelines and parameters of underwriting, having a moderate to significant impact on the Company in terms of costs, revenue, and customer and agent relations.
• Requires critical attention to detail and strong organizational skill.
• Effective listening skills.

About the Company

At Mercury, we have been guided by our purpose to help people reduce risk and overcome unexpected events for more than 60 years. We are one team with a common goal to help others. Everyone needs insurance and we can’t imagine a world without it.

Our team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life.

We care about our people, and we mean it. We reward our talented professionals with a competitive salary, bonus potential, and a variety of benefits to help our team members reach their health, retirement, and professional goals.

Learn more about us here:https://www.mercuryinsurance.com/about/careers

Perks and Benefits

We offer many great benefits, including:

• Competitive compensation
• Flexibility to work from anywhere in the United States for most positions
• Paid time off (vacation time, sick time, 9 paid Company holidays, volunteer hours)
• Incentive bonus programs (potential for holiday bonus, referral bonus, and performance-based bonus)
• Medical, dental, vision, life, and pet insurance
• 401 (k) retirement savings plan with company match
• Engaging work environment
• Promotional opportunities
• Education assistance
• Professional and personal development opportunities
• Company recognition program
• Health and wellbeing resources, including free mental wellbeing therapy/coaching sessions, child and eldercare resources, and more

Mercury Insurance is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by federal, state, or local law.

Pay Range

USD $44,466.00 - USD $77,881.00 /Yr.